Truck finance,
built for the road.

Finance for trucks and heavy vehicles across Australia

Whether you operate a single prime mover or run a growing transport fleet, the right finance structure makes a real difference to your cashflow and your tax position. We work with lenders who understand heavy vehicles, from rigid trucks and prime movers to trailers, tippers and specialised body types, and we compare their offers so you can see how they stack up for your situation.

Truck finance is commonly arranged as a chattel mortgage or commercial hire purchase, where the vehicle secures the loan and you own it from the outset or at the end of the term. The structure you choose affects your repayments, your GST treatment and your depreciation, so it is worth speaking with both your broker and your accountant before you commit. We will explain the options in plain language and outline what each lender is likely to require.

New, used and private-sale trucks

Lenders price new and used trucks differently, and vehicle age, kilometres and intended use all factor into the assessment. We handle dealer purchases, private sales and refinances of existing truck loans, and we can stage approvals as your fleet grows. If you are an owner-operator buying your first rig, or an established carrier adding capacity, we will match your circumstances to lenders who are comfortable with that profile.

All finance is subject to lender approval and individual lending criteria. We do not guarantee any particular outcome, rate or approval, but we do compare the market so the options you see are genuinely suited to you.

Why use a broker for truck finance

Heavy-vehicle lending is more specialised than a standard car loan. Lenders differ widely in the truck types they fund, the age limits they apply, and how they treat owner-operators versus established fleets. Going direct to a single lender means seeing one view of your options; comparing a panel means understanding where your application is likely to be received well and on what terms. We do that legwork, prepare your enquiry properly, and keep one point of contact through to settlement so you are not chasing paperwork between parties.

New, used and private sale trucks

The truck you are financing shapes the options available. New prime movers and rigids from an established dealer are often straightforward, but the heavy-vehicle market trades heavily in quality used trucks, and many lenders on our panel fund used and private sale purchases as well. Vehicle age, kilometres, build type and intended use all feed into how a lender assesses the application, which is exactly why comparing the market matters. A truck one lender considers too old may suit another comfortably. We handle dealer purchases, private sales and refinancing of existing truck loans, and confirm the requirements before you commit so the path to settlement is clear.

Finance for owner-operators and fleets

Whether you are an owner-operator buying your first rig or an established carrier adding capacity, the structure should fit how the truck earns its keep. We work with lenders who understand the difference between a single-truck operator and a growing fleet, and who can stage approvals as a business expands. For business buyers, a chattel mortgage or commercial hire purchase commonly applies, with implications for GST and depreciation that are worth discussing with your accountant. All truck finance is subject to lender assessment and approval, and individual lending criteria apply. We do not promise a particular rate or guarantee approval; what we offer is access to a broad panel and a single point of contact who manages the process from enquiry through to settlement.